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Prepared For

WILLIAM BUCHAN
Personal & Confidential

Date Generated Mar 4, 2024

Report Number 1324-4705-07

At a
Glance 7 Accounts 0 Public Records 0 Hard Inquiries

Personal Information

5 Names 5 Addresses 2 Employers 5 Other Records

Because your personal information is reported by you, your creditors, and other sources, it's typical
to see small variations in reported personal information, like names and addresses. For security
reasons, many of these items can't be disputed online, but don't worry—they don't affect your
credit score.

Names

WILLIAM S WILLIAM BILL BUCHAN WILLIAM

BUCHAN BUCHAN STEPHEN
Name ID #24279
BUCHAN
Name ID #1 Name ID #13137
Name ID #8283

WILLIAM S
BUCHAM

Name ID #22921

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Addresses

1204 MAPLE 172 LUMINA PL 121 E DAVISON 736 PINE TREE

RIDGE RD HOLLY SPRINGS LAKE RD RD
WILMINGTON NC, 27540-8310 METAMORA MI, LAKE ORION MI,
NC, 28411-7047 48455-9335 48362-2552
Address ID
Address ID #0461032861 Address ID Address ID
#0340353559 Single family #0331127625 #0110436471
Single family Single family Single family

PO BOX 10425
WILMINGTON
NC, 28404-0425

Address ID
#0055622639
Post office box

Year of Birth

1961

Phone Numbers

(248) 969-8342 (248) 431-5616 (248) 969-3541

Residential Cellular Residential

Spouse or Co-Applicant

CYNTHIA

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Employers

NEW PYRAMID CONSTR CHRYSLER

MI ,

Accounts
Includes credit cards, real estate loans and installment loans. This information is reported to the
credit bureaus from your creditors.

AMERICAN EXPRESS

 Account Info
Account Name AMERICAN EXPRESS

Account Number 3499928194827613

Account Type Credit card

Responsibility Individual

Date Opened 09/11/2020

Status Paid, Closed/Never late.

Status Updated Nov 2022

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $15,000

Highest Balance $379

Terms -

On Record Until Nov 2032

 Payment History
J F M A M J J A S O N D

2022           CLS —

2021            

2020 — — — — — — — — —   

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Nov 2032.

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 Balance Histories
Date Balance Scheduled Payment Paid

Oct 2022 $99 $40 $0

Sep 2022 $0 $0 $0

Aug 2022 $0 $0 $0

Jul 2022 $0 $0 $0

Jun 2022 $0 $0 $0

May 2022 $0 $0 $0

Apr 2022 $0 $0 $0

Mar 2022 $0 $0 $0

Additional info
Between Mar 2022 and Oct 2022, your credit limit/high balance was $15,000

 Contact Info
Address PO BOX 981537,
EL PASO TX 79998

Phone Number (800) 874-2717

 Comment
Current:

Account closed at consumer's request.

Previous:

None

BANK OF AMERICA

 Account Info
Account Name BANK OF AMERICA

Account Number 532903XXXXXXXXXX

Account Type Credit card

Responsibility Individual

Date Opened 08/19/1993

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Status Closed/Never late.

Status Updated Oct 2016

Balance $0

Balance Updated 10/18/2016

Recent Payment -

Monthly Payment -

Credit Limit $19,900

Highest Balance $12,032

Terms -

On Record Until Oct 2026

 Payment History
J F M A M J J A S O N D

2016          CLS — —

2015            

2014            

2013 ND ND ND ND   ND ND ND ND ND ND

2012 ND ND ND ND ND ND     ND ND

2011      ND   ND ND ND ND

2010        ND ND ND ND 

2009 — — — — — — — — — —  

 Current / Terms met CLS Closed

No data for this
ND
period

This account is scheduled to continue on record until Oct 2026.

 Contact Info
Address PO BOX 982238,
EL PASO TX 79998

Phone Number (800) 421-2110

 Comment
Current:

Account closed at consumer's request.

Previous:

None

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BARCLAYS BANK DELAWARE

 Account Info
Account Name BARCLAYS BANK DELAWARE

Account Number 000215XXXXXXXXX

Account Type Credit Card

Responsibility Individual

Date Opened 07/02/2014

Status Open/Never late.

Status Updated Feb 2024

Balance $712

Balance Updated 02/16/2024

Recent Payment $416 as of 2/5/2024

Monthly Payment $29

Credit Limit $19,500

Highest Balance $20,510

Terms -

 Payment History
J F M A M J J A S O N D

2024   — — — — — — — — — —

2023            

2022            

2021            

2020            

2019            

2018            

2017 — —          

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jan 2024 $416 $29 $984 on 1/4/2024

Dec 2023 $984 $29 $803 on 12/3/2023

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Date Balance Scheduled Payment Paid

Nov 2023 $803 $29 $1,611 on 10/30/2023

Oct 2023 $1,611 $29 $541 on 10/2/2023

Sep 2023 $541 $29 $1,378 on 8/24/2023

Aug 2023 $1,378 $29 $2,779 on 7/29/2023

Jul 2023 $2,779 $29 $1,597 on 6/28/2023

Jun 2023 $1,597 $29 $2,160 on 5/25/2023

May 2023 $2,160 $47 $4,714 on 4/25/2023

Apr 2023 $4,714 $29 $2,699 on 3/28/2023

Mar 2023 $2,699 $29 $797 on 2/28/2023

Feb 2023 $797 $29 $638 on 2/3/2023

Jan 2023 $638 $71 $7,195 on 12/22/2022

Dec 2022 $7,195 $29 $350 on 11/22/2022

Nov 2022 $350 $29 $810 on 10/20/2022

Oct 2022 $863 $29 $506 on 9/26/2022

Sep 2022 $506 $30 $2,149 on 8/19/2022

Aug 2022 $2,149 $54 $1,338 on 8/5/2022

Jul 2022 $1,255 $29 $0 on 5/31/2022

Jun 2022 $322 $29 $680 on 5/31/2022

May 2022 $680 $29 $429 on 4/27/2022

Apr 2022 $429 $29 $461 on 3/27/2022

Mar 2022 $461 $29 $561 on 3/1/2022

Additional info
Between Mar 2022 and Jan 2024, your credit limit/high balance was $19,500

 Contact Info
Address PO BOX 8803,
WILMINGTON DE 19899

Phone Number (888) 232-0780

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CITI

 Account Info
Account Name CITI

Account Number 410039XXXXXXXXXX

Account Type Credit Card

Responsibility Authorized user

Date Opened 02/19/2002

Status Open/Never late.

Status Updated Feb 2024

Balance $2,531

Balance Updated 02/09/2024

Recent Payment -

Monthly Payment $41

Credit Limit $17,300

Highest Balance $8,698

Terms -

 Payment History
J F M A M J J A S O N D

2024   — — — — — — — — — —

2023            

2022            

2021            

2020            

2019            

2018            

2017 — —          

 Current / Terms met

 Balance Histories
Date Balance Scheduled Payment Paid

Jan 2024 $3,262 $41 $0 on 1/2/2024

Dec 2023 $3,191 $41 $0 on 12/1/2023

Nov 2023 $2,438 $41 $0 on 11/3/2023

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Date Balance Scheduled Payment Paid

Oct 2023 $2,274 $41 $0 on 10/2/2023

Sep 2023 $3,509 $41 $0 on 9/1/2023

Aug 2023 $2,248 $41 $0 on 8/3/2023

Jul 2023 $4,840 $48 $0 on 7/3/2023

Jun 2023 $2,636 $41 $0 on 6/2/2023

May 2023 $2,830 $41 $0 on 5/3/2023

Apr 2023 $2,845 $41 $0 on 4/1/2023

Mar 2023 $1,752 $41 $0 on 3/3/2023

Feb 2023 $2,163 $41 $0 on 2/1/2023

Jan 2023 $2,740 $41 $0 on 1/3/2023

Dec 2022 $3,224 $41 $0 on 12/5/2022

Nov 2022 $1,894 $41 $0 on 11/4/2022

Oct 2022 $1,865 $41 $0 on 10/3/2022

Sep 2022 $2,444 $41 $0 on 9/2/2022

Aug 2022 $1,722 $41 $0 on 7/29/2022

Jul 2022 $2,680 $41 $0 on 7/1/2022

Jun 2022 $4,059 $61 $0 on 6/1/2022

May 2022 $2,451 $37 $0 on 4/25/2022

Apr 2022 $1,884 $35 $0 on 3/25/2022

Mar 2022 $1,500 $35 $0 on 2/17/2022

Additional info
Between Mar 2022 and Jan 2024, your credit limit/high balance was $17,300

 Contact Info
Address PO BOX 6190,
SIOUX FALLS SD 57117

Phone Number (855) 378-6467

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JPMCB HOME

 Account Info
Account Name JPMCB HOME

Account Number 465153XXXXXXX

Account Type Mortgage

Responsibility Joint with CYNTHIA BUCHAN

Date Opened 12/11/2012

Status Paid, Closed/Never late.

Status Updated Apr 2018

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Original Balance $143,000

Highest Balance -

Terms 30 Years

On Record Until Apr 2028

Mortgage Agency Name Fannie Mae ID

 Payment History
J F M A M J J A S O N D

2018    CLS — — — — — — — —

2017            

2016            

2015       ND     

2014            

2013 — — — —        

 Current / Terms met CLS Closed

No data for this
ND
period

This account is scheduled to continue on record until Apr 2028.

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 Contact Info
Address 700 KANSAS LN,
MONROE LA 71203

Phone Number (800) 848-9136

SEARS/CBNA

 Account Info
Account Name SEARS/CBNA

Account Number 512107XXXXXXXXXX

Account Type Credit card

Responsibility Authorized user

Date Opened 10/10/2009

Status Paid, Closed/Never late.

Status Updated Nov 2021

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $2,001

Highest Balance $12,781

Terms -

On Record Until Nov 2031

 Payment History
J F M A M J J A S O N D

2021           CLS —

2020            

2019            

2018            

2017            

2016            

2015            

2014 — — — — — — — — — — — 

 Current / Terms met CLS Closed

This account is scheduled to continue on record until Nov 2031.

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 Contact Info
Address PO BOX 6217,
SIOUX FALLS SD 57117

 Comment
Current:

Closed due to inactivity

Previous:

None

THE HOME DEPOT/CITIBANK

 Account Info
Account Name THE HOME DEPOT/CITIBANK

Account Number 603532XXXXXXXXXX

Account Type Charge Card

Responsibility Individual

Date Opened 05/07/2014

Status Paid, Closed/Never late.

Status Updated Sep 2017

Balance -

Balance Updated -

Recent Payment -

Monthly Payment -

Credit Limit $2,501

Highest Balance $381

Terms -

On Record Until Sep 2027

 Payment History
J F M A M J J A S O N D

2017         CLS — — —

2016            

2015            

2014 — — — —        

 Current / Terms met CLS Closed

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This account is scheduled to continue on record until Sep 2027.

 Contact Info
Address PO BOX 6497,
SIOUX FALLS SD 57117

Phone Number (800) 950-5114

 Comment
Current:

Account closed at credit grantor's request.

Previous:

None

Public Records
Information gathered from courts or other government agencies about legal matters associated
with you. The most common Public Records are bankruptcies, tax liens, and monetary judgments.

No public records reported.

Hard Inquiries
Hard inquiries are requests for your consumer information based on an action or process initiated
by you generally related to a credit or other monetary obligation, such as when you apply for credit,
rental property, or utility service, or default on a loan causing it to be sent to a collection agency.
Hard inquiries are displayed to companies that receive your consumer report and may stay on your
report at least two years.

You do not have any hard inquiries

Soft Inquiries
Soft inquiries are generally initiated by others, like companies making promotional offers or
lenders periodically reviewing your existing credit accounts. Soft inquiries also include checking
your own credit report or using credit monitoring services, and have no impact on your credit
score.

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AMERICAN BARCLAYS DISCOVER EXPERIAN

EXPRESS BANK FINANCIAL Inquired on
Inquired on DELAWARE SVCS 03/04/2024
08/08/2023 Inquired on Inquired on
02/16/2024 02/23/2024, 475 ANTON
PO BOX 02/09/2024, BLVD,
981537, 100 SOUTH 01/26/2024, COSTA MESA
EL PASO TX WEST AVE, 01/12/2024, CA 92626
79998 WILMINGTON 12/24/2023 an
(800) 874- DE 19801 d 12/08/2023
2717 (866) 283-
6635 PO BOX 15157,
WILMINGTON
DE 19850
(800) 347-
2683

SSA OPTION 6 SYNCHRONY

Inquired on FINANCIAL
12/19/2023 Inquired on
01/18/2024
6401
SECURITY 4125
BLVD, WINDARD
BALTIMORE PLAZA,
MD 21235 ALPHARETTA
GA 30005

Important Messages

Medical Information
By law, we cannot disclose certain medical information (relating to physical, mental, or behavioral
health or condition). Although we do not generally collect such information, it could appear in the
name of a data furnisher (i.e., "Cancer Center") that reports your payment history to us. If so,
those names display on your report, but on reports to others they display only as "MEDICAL
PAYMENT DATA." Consumer statements included on your report at your request that contain
medical information are disclosed to others.

Public Records Information

If your report contains public records, the Public Records section includes items from courts that
Experian may have obtained through a third party vendor, LexisNexis Risk Data Management Inc.

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You may contact them at LexisNexis Consumer Center, PO Box 105615, Atlanta, GA 30348-5108,
or visit https://experianconsumers.lexisnexis.com .

Contact Experian

Online Phone
Visit Experian.com/dispute to dispute any Monday - Friday
inaccurate information, or click the dispute 9am to 5pm
link next to the item. For FAQs and online (855) 414-6047
access to your Experian Credit Report, Fraud
Alerts, and Security Freezes, visit
Experian.com/help

Mail
Experian
PO Box 9701
Allen, TX 75013

Know Your Rights

Fair Credit Reporting Act (FCRA)

Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552.

A Summary of Your Rights Under the Fair Credit Reporting Act.

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of
information in the files of consumer reporting agencies. There are many types of consumer
reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell
information about check writing histories, medical records, and rental history records). Here is a
summary of your major rights under the FCRA. For more information, including information about
additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial
Protection Bureau, 1700 G Street N.W., Washington, D.C. 20552.

You must be told if information in your file has been used against you. Anyone who uses a credit
report or another type of consumer report to deny your application for credit, insurance, or
employment — or to take another adverse action against you — must tell you, and must give you
the name, address, and phone number of the agency that provided the information.

You have the right to know what is in your file. You may request and obtain all the information
about you in the files of a consumer reporting agency (your "file disclosure"). You will be required
to provide proper identification, which may include your Social Security number. In many cases,
the disclosure will be free. You are entitled to a free file disclosure if:

a person has taken adverse action against you because of information in your credit report;
you are the victim of identity theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;

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you are on public assistance;

you are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon request from
each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See
www.consumerfinance.gov/learnmore for additional information.

You have the right to ask for a credit score. Credit scores are numerical summaries of your
creditworthiness based on information from credit bureaus. You may request a credit score from
consumer reporting agencies that create scores or distribute scores used in residential real
property loans, but you will have to pay for it. In some mortgage transactions, you will receive
credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information. If you identify information in
your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the
agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable

information. Inaccurate, incomplete or unverifiable information must be removed or corrected,
usually within 30 days. However, a consumer reporting agency may continue to report information
it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a
consumer reporting agency may not report negative information that is more than seven years
old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about you
only to people with a valid need — usually to consider an application with a creditor, insurer,
employer, landlord, or other business. The FCRA specifies those with a valid need for access.

You must give your consent for reports to be provided to employers. A consumer reporting
agency may not give out information about you to your employer, or a potential employer, without
your written consent given to the employer. Written consent generally is not required in the
trucking industry. For more information, go to www.consumerfinance.gov/learnmore.

You may limit "prescreened" offers of credit and insurance you get based on information in your
credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free
phone number you can call if you choose to remove your name and address from the lists these
offers are based on. You may opt-out with the nationwide credit bureaus at 1 888 5OPTOUT (1
888 567 8688).

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user
of consumer reports or a furnisher of information to a consumer reporting agency violates the
FCRA, you may be able to sue in state or federal court.

Identity theft victims and active duty military personnel have additional rights. For more
Information, visit www.consumerfinance.gov/learnmore.

Consumers Have The Right To Obtain A Security Freeze

You have a right to place a 'security freeze' on your credit report, which will prohibit a consumer
reporting agency from releasing information in your credit report without your express
authorization. The security freeze is designed to prevent credit, loans, and services from being
approved in your name without your consent. However, you should be aware that using a security
freeze to take control over who gets access to the personal and financial information in your
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credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or
application you make regarding a new loan, credit, mortgage, or any other account involving the
extension of credit.

As an alternative to a security freeze, you have the right to place an initial or extended fraud alert
on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer's
credit file. Upon seeing a fraud alert display on a consumer's credit file, a business is required to
take steps to verify the consumer's identity before extending new credit. If you are a victim of
identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting
on behalf of the person or entity, with which you have an existing account that requests
information in your credit report for the purposes of reviewing or collecting the account.
Reviewing the account includes activities related to account maintenance, monitoring, credit line
increases, and account upgrades and enhancements.

States may enforce the FCRA, and many states have their own consumer reporting laws. In
some cases, you may have more rights under state law. For more information, contact your state
or local consumer protection agency or your state Attorney General. For more information about
your federal rights, contact:

FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:

1.a. Banks, savings associations, and credit unions with a. Bureau of Consumer
total assets of over $10 billion and their affiliates. Financial Protection
1700 G Street NW
b. Such affiliates that are not banks, savings Washington, DC 20552
associations, or credit unions also should list in addition
to the Bureau: b. Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580

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2. To the extent not included in item 1 above: a. Office of the Comptroller of

the Currency
a. National banks, federal savings associations, and Customer Assistance Group
federal branches and federal agencies of foreign banks P.O. Box 53570
Houston, TX 77052
b. State member banks, branches and agencies of
foreign banks (other than federal branches, federal b. Federal Reserve Consumer
agencies, and insured state branches of foreign banks), Help Center
commercial lending companies owned or controlled by PO Box 1200
foreign banks, and organizations operating under Minneapolis, MN 55480
section 25 or 25A of the Federal Reserve Act
c. Division of Depositor and
c. Nonmember Insured banks, Insured State Branches of Consumer Protection
Foreign Banks, and insured state savings associations National Center for Consumer
and Depositor Assistance
d. Federal Credit Unions Federal Deposit Insurance
Corporation
1100 Walnut Street, Box #11
Kansas City, MO 64106

d. National Credit Union

Administration
Office of Consumer Financial
Protection
1775 Duke Street
Alexandria, VA 22314

3. Air carriers Assistant General Counsel for

Office of Aviation Consumer
Protection
Department of Transportation
1200 New Jersey Avenue SE
Washington, DC 20590

4. Creditors Subject to Surface Transportation Board Office of Public Assistance,

Governmental Affairs, and
Compliance
Surface Transportation Board
395 E Street SW
Washington, DC 20423

5. Creditors Subject to Packers and Stockyards Act Nearest Packers and

Stockyards Division Regional

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Office

6. Small Business Investment Companies Associate Administrator,

Office of Capital Access
United States Small Business
Administration
409 Third Street SW, Suite
8200
Washington, DC 20416

7. Brokers and Dealers Securities and Exchange

Commission
100 F Street NE
Washington, DC 20549

8. Federal Land Banks, Federal Land Bank Associations, Farm Credit Administration
Federal Intermediate Credit Banks, and Production 1501 Farm Credit Drive
Credit Associations McLean, VA 22102-5090

9. Retailers, Finance Companies, and All Other Creditors FTC Regional Office for region
Not Listed Above in which the creditor operates
or Federal Trade Commission:
Consumer Response Center -
FCRA
Washington, DC 20580
(877) 382-4357

Notification of Rights
Notification of Rights for California Consumers
Notification of Rights for Colorado Consumers
Notification of Rights for Connecticut Consumers
Notification of Rights for Maryland Consumers
Notification of Rights for Massachusetts Consumers
Notification of Rights for Texas Consumers
Notification of Rights for Vermont Consumers
Notification of Rights for Washington Consumers

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